Commercial Auto

How auto insurance works

Although auto insurance coverage comes in many forms, its primary purpose is to protect you against financial loss. When you hear auto insurance, you may reflexively think of accidents or collisions. However, this is only one of the roles that insurance plays in protecting you on and off the road.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy insurance, but not all, of these coverages. If you’re financing a car, your lender may also have additional requirements.

Auto insurance is essential to protect yourself financially:

Forget about accidents for a second. What do you do if your car is stolen?

If you or any passengers are injured in an accident, medical costs can be extremely expensive.

If you or your car is responsible for damage or injury to others, you may be sued far beyond your means.

How important is uninsured driver protection?

In the best circumstances, both drivers involved in an accident have insurance. Why does this matter? Because in most cases, after reports are filed, both drivers’ insurance companies hash out the details and determine who owes what.

Comparatively, when an uninsured motorist collides with your vehicle, collecting payment is up to you. And you can bet that if they can’t afford insurance, they can’t pay for your new paintjob. For these reasons, even if insurance isn’t mandatory in your state, uninsured driver protection definitely deserves your consideration.

Any operator with a major violation in the last 3 years or currently with an open suspension or revoked expired temporary/permit license?

Yes

No

Any operator with 4 or more at fault accidents and/or minor violations in the last 3 years?

Yes

No

Do you haul for hire?

Yes

No

If yes, who do you haul for?

Radius driven?

Vehicle Info: (Please complete the vehicle info or attach a list of vehicles)

Vehicle #1Vehicle #2Vehicle #3Vehicle #4

Make:

Model:

Year:

VIN #:

Driver Info: (Please complete the vehicle info or attach a list of vehicles)

Driver #1Driver #2Driver #3Driver #4

State Licensed:

Driver’s License #:

First and Last Name:

Date of Birth:

Year Licensed: (yyyy)

CDL:

Yes

No

Yes

No

Yes

No

Yes

No

If Yes, CDL mm/dd/yyyy

Relationship to Insured:

Insurance Quote Information:

This quote is based on the coverage levels and deductibles you selected. Coverages are subject to the policy terms, conditions, and exclusions detailed in the insurance contract
issued at purchase. Quotations on insurance are provided as estimates and are not an insurance contract. Your actual premium may be higher or lower based on the coverages,
limits, and deductibles you choose. This is not a binder and no coverage is afforded with this quote.